和泉 大樹（Daiki Izumi）

5 Key Drawbacks of iDeCo Explained in Detail! We've compiled important points to know before starting, such as “Withdrawals generally not allowed until age 60” and “Fee burdens.” To avoid regret over tax savings benefits, we clearly explain characteristics of suitable and unsuitable individuals, plus how to use it alongside NISA.

As companies increasingly shift from retirement allowance systems to corporate defined contribution (DC) or defined benefit (DB) plans, are you concerned about how this might affect you? This article explains the transition from “salary-based systems” to “point-based systems,” key considerations during plan transitions, and the pros and cons based on expert materials. We clearly outline essential points for beginners to avoid losses, including “preservation of accrued benefits” and “assumed rates of return.”